---
canonical_url: https://lendb.ai/lo/james-pham-2633990
json_url: https://lendb.ai/lo/james-pham-2633990.json
nmls_id: 2633990
last_verified: 2026-10-09
---

# James Pham

Mortgage Loan Officer at Loan Factory. NMLS ID 2633990 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2633990)).

**Summary:** James Pham (NMLS 2633990) is Mortgage Loan Officer at Loan Factory. Licensed in Florida, confirmed with the state regulator (license LO134300). Also lists Michigan, Texas and Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Self-employed. Speaks English and Vietnamese. Licensed since 2025 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2025 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Michigan (MI, lender_reported), Texas (TX, lender_reported), Virginia (VA, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: English, Vietnamese
- Profile: unclaimed
- Status: active

## Specialties

- **Self-employed** (`self-employed`): lender page, confidence 0.85, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/james-pham-2633990

## About

James specializes in tailored mortgage solutions for first-time homebuyers, investors, and foreign nationals. He offers FHA, conventional, and VA loans, plus Non-QM and DSCR programs for self-employed individuals and real estate investors.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- credential: Licensed in Florida, Michigan, Texas, and Virginia. Source: https://www.loanfactory.com/mortgage-expert/james-pham-2633990, verified 2026-10-09.
- other: Strong background in finance. Source: https://www.loanfactory.com/mortgage-expert/james-pham-2633990, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO134300 | active | confirmed | 2025-01-03 | state_regulator | 2026-10-09 |
| MI | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TX | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841). Source: https://www.loanfactory.com/mortgage-expert/james-pham-2633990, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2633990

## Contact

- linkedin_url: https://www.linkedin.com/in/khanh-duy-pham-38a8ba204/ (source: lender_site, verified 2026-10-09)
- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/james-pham-2633990

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2633990
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/james-pham-2633990

Cite as: James Pham (NMLS 2633990), Loan Factory. LenDb.ai, https://lendb.ai/lo/james-pham-2633990, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._